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How Jewelry Insurance Might Benefit You

Beautiful stylish ring on white background

Beautiful stylish ring on white background

For many of us, jewelry pieces are some of our most valuable and treasured possessions. They’re often some of the largest purchases we make in our lives, whether for ourselves or others, or they may be precious family heirlooms passed down through generations.

At AAA Jewelers, we know how important it is to protect your jewelry in case something happens. Whether it’s fashion jewelry, estate jewelry or one of our huge selection of beautiful engagement rings, it might be prudent for you to look into jewelry insurance. Here are some basics to know in this area.

All Types Can Use It

As we just noted, jewelry insurance can be used for any type of piece. Insurance companies will offer coverage for rings, earrings, bracelets, necklaces, pendants and even smart jewelry pieces. No matter how valuable the piece happens to be, you’ll be able to get coverage for it if you desire it.

Get a Quote

Just like with getting insurance for anything else, you have to first obtain a basic quote. This will first come with an appraisal of the piece, which our specialists can help with if you’re in need. The appraisal will list a basic opinion of value given the characteristics and quality of the piece.

Remember that you can always search for more than one quote at a time. In fact, it’s often good to compare quotes across a couple different companies to see who will give you the best coverage.

Understand Your Coverage

Make sure you take the time to fully read and understand what’s written on your jewelry insurance. If there ever comes a time where you have to put this insurance into play, you need to know exactly what you’re entitled to and what the regulations are. Make sure you know whether your plan covers full replacements, whether a deductible is required, and whether your coverage is or isn’t comprehensive – covering loss, theft or damage of all types.

For more on jewelry insurance, or to learn about any of our beautiful fashion jewelry or engagement rings, speak to the experts at AAA Jewelers today.